EFT/POS

Cashless payment collection at the point of sale
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EFT/POS (electronic funds transfer at the point of sale) allows your customers to make convenient, quick cashless payments at your points of sale. This helps you reduce the cash you deal with and increases the safety of your business due to the lower amount of cash you have on the premises.

An all-in-one payment solutionAn all-in-one payment solution

In partnership with Worldline, Mastercard and Wallee, we offer you the option of processing payments made with the most common payment methods, along with your own PAX A50 terminal, at an attractive package price of CHF 189 instead of CHF 279.

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EFT/POS: convenient, quick and secure

  • Cashless payment at the point of sale

  • Increased security due to reduced cash handling

  • One device processes all cards (PostFinance Card, Maestro cards, credit cards or customer cards)

  • Amounts paid using the PostFinance Card are credited on the following day

  • Electronic credit advice and periodic account statements are free of charge

  • Preconditions

    • Business account at PostFinance or a third-party bank
    • Telephone or Internet connection
    • “EFT/POS with PostFinance Card” contract
    • EFT/POS device or pay-at-the-pump system

    EFT/POS device suppliers

    More suppliers

    Pay-at-the-pump system suppliers

    POS management system (PMS)

    With the POS management system (PMS) for managing, assessing and monitoring terminal and transaction processes, you always have an overview – regardless or whether you are using a single or multi-terminal system or a company-wide solution with a branch network.

    1. Customers identify themselves with their card and PIN on the card reader
    2. The amount to be settled is checked and, subject to sufficient account funds, authorized within seconds
    3. The transactions are sent to PostFinance at the end of the day
    4. The purchase amount is debited from the cardholder
    5. Amounts paid using a PostFinance Card are credited to the seller’s business account the following day. The seller regularly receives an account statement and additional credit advice upon request. Credit card amounts may also be credited to the business account. Contact your credit card processor for details.

    Do you need more information or documents on EFT/POS? Please contact:

    Tel.: +41 58 667 98 74 (Monday to Friday, 8 a.m. to 5 p.m.)
    E-mail: aqs@postfinance.ch

    For all device-specific enquiries please contact your device supplier.

  • Number of transactions per yearPrice per transaction
    Number of transactions per year
    Up to 10,000
    		 Price per transaction  The transaction figures from the previous year are taken into account as a reference value for the number of transactions. The price per transaction is not subject to VAT.
    CHF 0.23
    Number of transactions per year
    Up to 50,000
    		 Price per transaction  The transaction figures from the previous year are taken into account as a reference value for the number of transactions. The price per transaction is not subject to VAT.

    CHF 0.22
    Number of transactions per year
    Up to 100,000
    		 Price per transaction  The transaction figures from the previous year are taken into account as a reference value for the number of transactions. The price per transaction is not subject to VAT.
    CHF 0.21
    Number of transactions per year
    Up to 500,000
    		 Price per transaction  The transaction figures from the previous year are taken into account as a reference value for the number of transactions. The price per transaction is not subject to VAT.
    CHF 0.20
    Number of transactions per year
    From 500,001
    		 Price per transaction  The transaction figures from the previous year are taken into account as a reference value for the number of transactions. The price per transaction is not subject to VAT.
    CHF 0.19

    From 1 million transactions per year; price upon request.

    Flat-rate prices for low amountsPrice per transaction  
    Flat-rate prices for low amounts
    Amounts up to CHF 5
    		 Price per transaction   The price per transaction is not subject to VAT.
    CHF 0.05
    Flat-rate prices for low amounts
    Amounts between CHF 5 and CHF 10
    		 Price per transaction   The price per transaction is not subject to VAT.

    CHF 0.10

    Communication costs

    Communication costs due at the point of sale for technical reasons are charged to the contractual partner.

    Data delivery prices

     
    On paper
    Electronically (e-finance or e-mail)
    Credit advice

    CHF 2
    Free of charge
    RAF file
    Not possible
    Free of charge

  • Do I need a PostFinance account to be able to accept the PostFinance Card?

    No, you are free to choose between crediting a PostFinance account or a third-party bank. If you use a PostFinance account, you will benefit from payment being credited quickly to your account, i.e. no later than a day after delivery of the transactions. If you use a third-party account, we cannot guarantee that payment will be made the following day.

    Why are the transaction fees lower with the PostFinance Card than for other cards?

    The fact that PostFinance is independent from card organizations allows it to set its own prices. What’s more, there are no interchange fees or levies involved, which would increase the prices.

EFT/POS payment collection solution

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